New: Compare up to 3 cards side-by-side instantly Compare now →
Southwest Rapid Rewards Plus vs Wells Fargo Active Cash
Side-by-side comparison of fees, rewards, benefits, and more.
[ 01 / 02 ]
·
Feature Comparison
| Feature | Southwest Rapid Rewards PlusChase | Wells Fargo Active CashWells Fargo |
|---|---|---|
| Rating | 4.2/5 | 4.5/5 |
| Annual Fee | $69 | $0 |
| APR | 19.49% - 27.99% | 18.49% - 28.49% |
| Signup Bonus | 40,000 points plus Companion Pass after spending $5,000 in 3 months | $200 cash rewards bonus after spending $500 in 3 months |
| Rewards Rate | 2X on Southwest purchases, Rapid Rewards hotel/car partners, and local transit & commuting, 1X on everything else | 2% cash rewards on all purchases |
| Credit Score | good | good |
| Pros | Companion Pass with signup bonus — a friend flies free on every trip Low $69 annual fee for an airline card 25% back on in-flight purchases and 2 free checked bags (Southwest standard) | Flat 2% cash rewards on all purchases with no categories to track $0 annual fee with a $200 welcome bonus 0% intro APR for 12 months on purchases and balance transfers |
| Cons | Companion Pass from signup is limited-time offer Southwest flies domestically only (no international routes) 2X earn rate limited to Southwest and partner purchases | 3% foreign transaction fee Requires a Wells Fargo relationship for best experience No bonus categories beyond the flat 2% |
| View Details → | View Details → |
[ 02 / 02 ]
·
Verdict
Our Pick: Wells Fargo Active Cash
With a 4.5/5 rating, the Wells Fargo Active Cash edges out the Southwest Rapid Rewards Plus (4.2/5). No annual fee makes it easy to justify. The Wells Fargo Active Cash is one of the strongest no-fee 2% cash back cards available. With a solid signup bonus and intro APR offer, it competes head-to-head with the Citi Double Cash while adding balance transfer flexibility.